We have all heard that debt is bad, but realistically almost everyone has to have debt. Not many people can really afford to pay cash for a home or a car. Knowing the difference between good debt and bad debt is a key to financial success.

2014 is almost over, yet there is still plenty of time to take a few financial actions that could have a big impact on your 2014 financial condition. There are a handful of smart decisions to consider making before the end of the year.

Following conventional wisdom is usually a sound practice, especially when it comes to financial decisions. However, like all rules, there are exceptions even to financial rules. Knowing when to follow conventional wisdom and when to bypass it can be tricky looking a little deeper into most will help you make the best decision.

Rebuilding your financial life is an important step to take if you are not where you hoped to be financially. Now is always the best time to start, putting if off only makes it more difficult to accomplish.

Financial education is a lifelong skill that everyone needs. It’s important to learn about money at an early age. One great way to learn is by understanding the Three Money Principles of Spend, Save, and Share.